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Disciplina de mercado en el sistema bancario boliviano

Author

Listed:
  • Oscar A. Díaz Quevedo

    (Banco Central de Bolivia)

Abstract

Las crisis financieras han abierto una amplia discusión acerca de la implementación de una adecuada regulación sobre las entidades bancarias. Para mejorar el desempeño y los procesos en la toma de riesgos, las redes de seguridad cuentan con dos mecanismos: la disciplina de mercado y la regulación y supervisión bancaria. Los depositantes pueden ejercer disciplina de mercado retirando sus fondos o demandando mayores tasas de interés de los bancos más riesgosos. Por su parte, la regulación puede restringir directamente las operaciones de los bancos o llevar a cabo acciones correctivas si la solvencia del banco está comprometida. El estudio examina los factores que consideran los depositantes para mantener o retirar sus ahorros de una determinada entidad bancaria. Los resultados sugieren evidencia a favor de la existencia de disciplina de mercado y de que los factores sistémicos y las variables macroeconómicas también influyen en las decisiones de los depositantes.

Suggested Citation

  • Oscar A. Díaz Quevedo, 2007. "Disciplina de mercado en el sistema bancario boliviano," Serie de Documentos de Trabajo 01/2007, Banco Central de Bolivia.
  • Handle: RePEc:blv:doctra:01/2007
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    File URL: https://www.bcb.gob.bo/webdocs/publicacionesbcb/2015/11/48/1.%20Disciplina%20de%20mercado%20en%20el%20sistema%20bancario%20boliviano.pdf
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    More about this item

    Keywords

    Disciplina de mercado; datos de panel;

    JEL classification:

    • C23 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Models with Panel Data; Spatio-temporal Models
    • G14 - Financial Economics - - General Financial Markets - - - Information and Market Efficiency; Event Studies; Insider Trading
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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